Toyota of Escondido
Updated Filing received by DOL
Toyota of Escondido, a retail — stores, food, auto, clothing employer in Escondido, California, reported 308 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 7 insurance contracts with no premium reported and $32,010 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from American National Life Insurance Company of Texas). The Department of Labor received an amended filing on December 23, 2025; the original filing date is not in the public dataset.
Who was paid on Toyota of Escondido's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Toyota of Escondido filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Benefitpro Insurance Services Inc · San Diego, CA | $15,737 | $0 | $15,737 | 4 |
| Acrialps LLC · Grand Rapids, MI | $5,535 | $668 | $6,203 | 3 |
| Benefit Pro Ins Services Inc · San Diego, CA | $2,384 | $0 | $2,384 | 1 |
| Raymond Kwockman Gong · San Diego, CA | $1,570 | $236 | $1,806 | 1 |
| Raymond Kwokman Gong · San Diego, CA | $1,007 | $174 | $1,181 | 2 |
| Kinghom & Associates · Chula Vista, CA | $501 | $0 | $501 | 1 |
| David Quackenbush · Aurora, CO | $471 | $0 | $471 | 1 |
| Branden R Samaniego · Homeland, CA | $463 | $0 | $463 | 1 |
| Melissa D Carrillo · San Diego, CA | $435 | $0 | $435 | 3 |
| Chelsea L Ware Inc · Las Vegas, NV | $342 | $0 | $342 | 3 |
| Scott C Casteel · Anaheim, CA | $325 | $0 | $325 | 1 |
| Susie a Estrada · San Juan Capistrano, CA | $261 | $0 | $261 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| American National Life Insurance Company of Texasstop-loss | — | — | — | — |
| Colonial Life & Accident Insurance Companylife | 93 | — | $13,244 | — |
| Sun Life Assurance Company of Canadadental, life | 338 | — | $10,819 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 36 | — | $954 | — |
| Fidelity Security Life Insurance Companyvision | 317 | — | $2,384 | — |
| Colonial Life & Accident Insurance Companylife | 3 | — | $295 | — |
| Colonial Life & Accident Insurance Companylife | 29 | — | $4,314 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Toyota of Escondido compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 256 | 308 | +20.3% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $31,391 | $32,010 | +2.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Toyota of Escondido Employee Benefit Trust Employee Welfare Plan#501 · amended · insurance | December 31, 2024 | December 23, 2025 | amended filing; original date not in data | 308 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Toyota of Escondido pay in health insurance broker commissions in 2024?
Toyota of Escondido's 2024 Form 5500 reports $32,010 in broker commissions and fees across 7 insurance contracts ($30,777 in commissions, $1,233 in fees), with Benefitpro Insurance Services Inc receiving the largest share.
Is Toyota of Escondido's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from American National Life Insurance Company of Texas).
How does Toyota of Escondido's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Toyota of Escondido because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.